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Royal Bank of Canada (rbc)

About this repository

This is not our API. This repository is an independent, third-party profile of a company's publicly available API surface, maintained by API Evangelist. API Evangelist does not operate, host, resell, or support this company's APIs, and is not affiliated with or endorsed by the company unless stated on the profile.

Where the information came from. Everything here is assembled from material a member of the public can reach with a browser and no credentials — the company's own website, developer portal and documentation, the specifications it publishes for public use (OpenAPI, AsyncAPI, JSON Schema, apis.json, llms.txt and similar), its public repositories, and its public status, pricing and changelog pages. Nothing here is obtained by breaching a system, defeating an access control, or using credentials of any kind.

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Full detail: Where this data comes from

Royal Bank of Canada (RBC) is Canada's largest bank by market capitalization and one of the country's Big Six, a Schedule I domestic bank chartered under the federal Bank Act and publicly traded (TSX/NYSE: RY), headquartered in Toronto. RBC was the first Canadian bank to launch a public API developer portal and today runs both a self-serve informational/utility API set on that portal and a partner-gated Business Banking API suite for corporate treasury integration.

APIs.json: https://raw.githubusercontent.com/api-evangelist/rbc/refs/heads/main/apis.yml

Open-Finance Posture

  • First-party developer portal: developer.rbc.com — the "RBC External Developer Portal" (live, HTTP 200). A React single-page app; no downloadable OpenAPI/Swagger is published publicly. It offers self-serve informational/utility APIs (branch locator, credit card catalog, mortgage down-payment and amortization calculators).
  • Business Banking APIs: rbcroyalbank.com/business/api — partner-gated corporate/treasury APIs (RBC Move Money via Interac e-Transfer, RBC Pay, and Balance/Transactions, Tracking, and Validation). Onboarding is via an RBC Advisor.
  • Consumer data access: No first-party open-banking consumer-data API. Consumer data sharing today is aggregator-based via bilateral agreements (e.g. Plaid, Yodlee).
  • Consumer-Driven Banking: Canada's federal framework (Budget 2024 / Fall Economic Statement 2024, overseen by the FCAC) is legislated but not yet operational — open finance in Canada remains voluntary and fragmented. RBC publishes no operational CDB/FDX data-access endpoint.

Tags

  • Financial Services
  • Banking
  • Canada
  • Big Six
  • Payments
  • Interac
  • Open Banking
  • Developer Portal

Timestamps

  • Created: 2026-07-23
  • Modified: 2026-07-23

APIs

RBC Branch Locator API

Self-serve informational API on the RBC External Developer Portal that returns the address and hours of the closest RBC branch(es) for a postal code or keyword search.

RBC Credit Card Catalog API

Self-serve informational API exposing RBC credit card product details, rates, and fees.

RBC Minimum Down Payment API

Self-serve calculator API computing the minimum down payment required for a given home purchase price under Canadian mortgage rules.

RBC Amortization Schedule API

Self-serve calculator API returning the number of payments and amortization schedule for a mortgage.

RBC Move Money API (Interac e-Transfer)

Partner-gated Business Banking payment API for sending near real-time Interac e-Transfer transactions with optional enriched remittance/invoice data. Onboarding via an RBC Advisor.

RBC Pay API

Partner-gated Business Banking payment API for embedding RBC payment capabilities into a company's financial systems.

RBC Balance and Transactions API

Partner-gated Business Banking informational API providing real-time account balance and transaction information.

RBC Tracking API

Partner-gated Business Banking informational API for tracking the status of payments and transfers.

RBC Validation API

Partner-gated Business Banking informational API for validating account or payment details before a transaction.

Common Properties

Maintainers

FN: Kin Lane Email: kin@apievangelist.com

About

Royal Bank of Canada (RBC) is Canada's largest bank by market capitalization and one of the country's Big Six, a Schedule I domestic bank chartered under the federal Bank Act and publicly traded (TSX/NYSE: RY) with headquarters in Toronto.

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